Private and unreasonable. According to the official website of Hualv.com, we found out. CITIC Credit Card privately modified the billing date of the credit card without the user's knowledge, which infringed on the rights of the customer, was an unreasonable behavior, and caused psychological pressure on the user. This behavior violates the relevant provisions of the Commercial Banking Law and also infringes on the user's right to know and normal use. Users can demand an apology from the bank and be punished accordingly.